PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bradford Area

Bradford, PA · Charter 13823

NCUA · 1 branch

Q2 2026

$11.4MAssets
$6.6MLoans
$9.8MShares
$1.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.18%, up 13 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.30% of loans (-50 bps YoY).
  • Capital: net worth / assets of 13.74%, up 58 bps from a year ago.
  • Funding: loans stand at 67.45% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.18%+13 bps YoY

Net Interest Margin (quarter, annualized)

2.64%+22 bps YoY

Efficiency Ratio (quarter, annualized)

99.24%+90 bps YoY

Net Worth / Assets

13.74%+58 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%0.20%0.06%0.40%0.18%+13 bps
Return on Equity0.36%1.51%0.47%3.05%1.32%+96 bps
Net Interest Margin2.41%2.54%2.61%2.75%2.64%+22 bps
Efficiency Ratio98.34%92.83%96.68%84.72%99.24%+90 bps
Growth
Asset Growth (YoY)14.64%12.10%1.07%-0.51%-3.46%-1,810 bps
Loan Growth (YoY)5.37%7.96%10.97%11.61%2.63%-274 bps
Share Growth (YoY)17.17%13.96%1.10%-0.82%-4.30%-2,148 bps
Asset Quality
Delinquent Loans / Loans0.80%0.68%0.62%0.57%0.30%-50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.17%12.92%13.25%13.13%13.74%+58 bps
Net Worth / Assets13.17%12.92%13.25%13.13%13.74%+58 bps
Liquidity & Funding
Loans / Shares62.89%63.26%64.74%62.24%67.45%+455 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps